Updated September 28, 2026 · BorrowCue Editorial Team
KiwiCredito vs Oney Préstamos ES
Where KiwiCredito and Oney Préstamos ES differ
| Compare |  KiwiCredito |  Oney Préstamos ES |
|---|---|---|
| Loan amount | $150 to $3,000 | €1,000 to €45,000 |
| Arrangement fee | 0 USD (no opening fees) | 3% of financed capital (apertura) |
| Credit check | Soft prequal | Hard |
| Funding time | 1-3 business days after approval | Decision within 48 h, then money sent to the account you choose |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older (21 or older in Puerto Rico), US resident in a licensed state, valid bank account and official ID | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Personal, Credit line, BNPL | Personal, Car, Student, BNPL |
| APR | 0% to 35% | Not confirmed |
| Term | 4 to 24 months | Not confirmed |
| Representative example | Kiwi Pay: $1,000 loan, 12-month term, 30% APR, $96.15 monthly, $1,153.80 total repaid | Not confirmed |
| Origination fee (%) | Not confirmed | 3% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- KiwiCredito scores higher overall: 9.3 vs 8.8.
- KiwiCredito is licensed in 1 more country.
- KiwiCredito is available in 2 more countries.
- Free early repayment: only KiwiCredito.
- Support channels: only KiwiCredito offers Chat, Email.
- Loan types: only KiwiCredito offers Credit line.
- Loan types: only Oney Préstamos ES offers Car, Student.
Our verdict on each
KiwiCredito
KiwiCredito is a direct lender for US borrowers in licensed states who want a small personal loan or credit line without opening fees. Its APR of 0% to 35% sits well above the site median of 12%, and the top rate is where cost bites hardest.
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
Score breakdown
| Area | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Cost | 9.5Higher | 8.3 |
| Offer | 9.0HigherFees of 0 USD (no opening fees) and rates of 0% to 35% on amounts of $150 to $3,000 over terms of 4 to 24. | 8.9 |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Puerto Rico | Not confirmed | |
| Spain | Not confirmed | Banco de España 8814 |
| United States | Florida (issuer not named on the site) CF9901648 Missouri (issuer not named on the site) 510-269804 | Not confirmed |
Additional countries for KiwiCredito: 3. Additional countries for Oney Préstamos ES: 1.
How they place
| Ranking | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Personal loans | 318 of 1932 | 1 of 1932 |
| Buy now, pay later | 15 of 88 | 1 of 88 |
Side by side, item by item
| Loan types | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
| Student | No | Yes |
| BNPL | Yes | Yes |
Where these facts come from
KiwiCredito
- kiwicredito.com: 15 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Features | Credit line | Not confirmed |
| Legal entity | Kiwi Financial Group Inc. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Puerto Rico | Spain |
| Support channels | Chat, Email, Phone, Help centreCovers more | Help centre, Phone |
Where each stands against the rest
| Fact | KiwiCredito | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 0% to 35%lowest quarter | Not confirmed | 8.99 |
| Term | 4 to 24 monthslowest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
KiwiCredito
Pros
- No opening fees: 0 USD (no opening fees) on personal loans and credit lines
- A credit line is available alongside fixed-sum personal loans and buy now pay later
- Early repayment is free, so clearing the balance early costs nothing extra
Cons
- Rates reach 0% to 35%, above the site median of 12%
- Borrowing is capped at $150 to $3,000, well under the site median of €876.96
- Funding takes 1-3 business days after approval, slower than the 82.9% share of lenders
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
Who each suits
KiwiCredito
Who it suits
- Adults in US states where KiwiCredito holds a lending licence
- Borrowers who want a credit line and a small personal loan from the same lender
- People who can clear the balance early and want no opening fee
Who should look elsewhere
- Borrowers after a long low-rate term, since terms run 4 to 24
- Anyone needing a large sum, as amounts stop at $150 to $3,000
- Borrowers who need money in a hurry, since funding lands 1-3 business days after approval
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
Current offers
KiwiCredito
Current offer
Bonus
Kiwi Pay 90-Day Interest Waiver (Interest-Free Months): All accrued interest waived if the borrower stays current and pays the balance in full within 90 days of origination
Available only through participating merchants; not all Kiwi Pay loans qualify; interest accrues at the standard contracted rate during the term; does not modify the loan agreement, TILA disclosure or APR
Source, checked September 26, 2026
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | KiwiCredito | Oney Préstamos ES |
|---|---|---|
| Macao | Yes | No |
| Puerto Rico | Yes | No |
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
KiwiCredito
What APR does KiwiCredito charge?+
Rates run at 0% to 35%. That band is wide, so the cost depends on your file. For comparison, the median across the site is 12%, and the top quartile of lenders sits at 24.92%.
How much can I borrow?+
Amounts run $150 to $3,000. That is small next to the site median of €876.96, and the top quartile of lenders reaches €3,100.39. KiwiCredito suits short, modest sums rather than large projects.
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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